Deciding to pursue IVF is an emotional journey in itself.
And when the question “How much will it cost?” comes up, it can add another layer of stress and uncertainty to an already delicate decision.
The truth is, there’s no one-size-fits-all answer.
IVF costs in India vary widely depending on many factors. Understanding those variables can help you plan better, avoid surprises, and choose a clinic you can trust.
Why IVF Costs Are So Variable?
Before diving into numbers, it helps to know why costs differ so much from clinic to clinic and patient to patient:
- Geographical location
Clinics in metros (Delhi, Mumbai, Bengaluru) often have higher rents, more advanced labs, and higher operational costs compared to smaller cities. - Clinic reputation and quality
Top-tier clinics with advanced infrastructure, experienced embryologists, and high success rates tend to charge a premium. - Patient’s personal medical profile
Age, ovarian reserve (e.g., AMH levels), uterine health, male factor issues, past failed cycles, and co-existing conditions, all these can push up the cost because they may require more drugs, monitoring, or additional procedures.
- Type of IVF protocol and add-ons
Basic IVF is less expensive. But when you add ICSI, donor eggs or sperm, PGT/PGS (genetic testing), embryo freezing, assisted hatching, or more monitoring, the cost goes up. - Medications, monitoring & lab work
The drugs used to stimulate the ovaries, frequent ultrasounds, blood tests, and lab culture media are significant components of cost. Some patients require higher doses or more cycles, which drives up costs. - Number of cycles needed
Sometimes the first cycle doesn’t succeed, so couples need multiple cycles. Each attempt adds to the total financial cost. - Transparency (or lack thereof)
Some clinics might quote a “package cost” but leave out parts (medications, lab consumables, freezing, storage). Hidden charges or unclarified extras are unfortunately common in some settings. That’s why transparency is vital.
What is the Cost of IVF Cycles in India?
Here are approximate costs to give you an idea. Use them as ballpark figures, not guarantees:
For example, at brands like Birla Fertility & IVF, treatment plans are designed to ensure complete transparency and value at every step. While costs vary depending on each couple’s fertility condition, a typical IVF cycle starts around ₹1,70,000, inclusive of consultations, medications, and procedures.
Note: Under the Central Government Health Scheme (CGHS), there is reimbursement for IVF cycles up to ₹65,000 (or actual cost, whichever is lower) in some circumstances.
A Realistic Example of Cost Breakdown
Here’s a hypothetical example of how costs might stack for one IVF cycle in a private setting:
| Component | Approximate Cost (INR) |
| Consultation & initial tests | ₹5,000 – ₹15,000 |
| Ovarian stimulation medications | ₹20,000 – ₹80,000 |
| Monitoring (ultrasounds, lab tests) | ₹10,000 – ₹30,000 |
| Egg retrieval procedure | ₹25,000 – ₹50,000 |
| Fertilization & lab culture | ₹10,000 – ₹30,000 |
| Embryo transfer | ₹15,000 – ₹30,000 |
| Freezing/storage (if any) | ₹10,000 – ₹25,000+ |
| Add-ons (ICSI, PGT, donor gametes) | ₹25,000 – ₹1,50,000+ |
When you add everything (and depending on how many add-ons or special requirements are needed), a complete cycle can easily run up to the ₹1.5–2.5 lakh range or more.
How to Use Cost Information Wisely?
Knowing these figures is empowering, but they shouldn’t be the only factor in choosing a clinic. Here’s how to use costs wisely:
- Ask for detailed cost breakdowns upfront — what’s included, what’s optional.
- Ask how clinics define “success rates.” (Some only count younger women or exclude complex cases.)
- Always check for hidden costs — embryo storage, medications, and lab consumables.
- Compare clinics not just by lowest cost, but by what you’re getting (lab quality, staff, monitoring).
- Ask for multi-cycle packages or financing options if available.
- Beware of “guaranteed success” or too-good-to-be-true claims — IVF carries uncertainties.
Final Thoughts
IVF is not just a medical decision; it’s a financial and emotional one. The good news is: with knowledge and transparency, you can make smarter choices. Know what factors influence cost, demand detailed quotes, and lean toward clinics that prioritize honesty and clarity.
Because while cost matters, your trust, dignity, and peace of mind matter more.